**Save the Mothers Trust (SMT) Income and Expenditure Accounts for the year ended 31[st] March 2023** Charity Assist Accountants Ltd Certified Public Accountants and Charity Independent Examiners Unit 27 Batley Enterprise Centre 513 Bradford Road Batley West Yorkshire WF17 8LL 1 **Save the Mothers Trust (SMT) Income and Expenditure Accounts for the year ended 31[st] March 2023** |**Contents**|**Page**| |---|---| |Basic information|3| |Trustees’ annual report|4 – 7| |Independent examiners report|8 – 9| |Income and expenditure accounts|
10 – 11| |Notes to the accounts|12 – 17| 2 **Save the Mothers Trust (SMT) Income and Expenditure Accounts for the year ended 31[st] March 2023** ## **Basic information** ## **Address** SM Complex Beckside Lane Bradford West Yorkshire BD7 2JX ## **Bank** Barclays Bank 10 Market St Bradford BD1 1EG ## **Accountants** Charity Assist Accountants Ltd Unit 27 Batley Enterprise Centre 513 Bradford Road Batley WF17 8LL ## **Charity Registration No.** 1104771 3 ## **Save the Mothers Trust (SMT) Income and Expenditure Accounts for the year ended 31[st] March 2023** ||||||||| |---|---|---|---|---|---|---|---| |**Trustees' Annual Report for the period**|||||||| |**From **|Period start date|||**To**|Period end date||| ||01|Apr|2022||31|Mar|2023| **Section A Reference and administration details** **Charity name** Save the Mothers Trust (SMT) **Registered charity number** 1104771 |**Registered charity number**|1104771|1104771| |---|---|---| |**Charity's principal address**|
SM Complex|| ||Beckside Lane|| ||Bradford|| ||Postcode|BD7 2JX| **Names of the charity trustees who manage the charity** |1
2
3
4
5|**Trustee name**|**Office (if**
**any)**|**Dates acted if not**
**for whole year **|**Name of person (or body) entitled**
**to appoint trustee (ifany)**| |---|---|---|---|---| ||Shakeel Ahmed|||| ||Dr Zaroon Hussain|||| ||Nasar Ali Tufail|||| ||Dr Umair Danial
Qureshi|||| ||Ibrar Hussain|||| ## **Section B Structure, governance and management** ## **Description of the charity’s trusts** Declaration of trust dated 30 October 2003, as amended by Type of governing document supplemental deed 16 April 2004. (eg. trust deed, constitution) Standard Registration – Unincorporated Association How the charity is constituted (eg. trust, association, company) There must be at least three trustees. Apart from the first trustees, Trustee selection methods every trustee must be appointed by a resolution of the trustees (eg. appointed by, elected by) passed at a special meeting called under clause 15 of the charity governing document. In selecting individuals for appointment as trustees, the trustees must have regards to the skills, knowledge and experience needed for the effective administration of the charity. 4 **Save the Mothers Trust (SMT) Income and Expenditure Accounts for the year ended 31[st] March 2023** |**Section C Objectives and activities**|**Section C Objectives and activities**| |---|---| |**Summary of the objects of the**
**charity set out in its**
**governing document**
**Summary of the main**
**activities undertaken for the**
**public benefit in relation to**
**these objects (include within**
**this section the statutory**
**declaration that trustees have**
**had regard to the guidance**
**issued by the Charity**
**Commission on public**
**benefit)**|| ||1. Relief of poverty, sickness, distress and suffering of any
persons in any part of the world (hereinafter referred to as the
area of benefit) who are in need by providing any means
which the trustees determine, including but not exclusively to
establish, administer and maintain a Muslim home for
children in need of care.
2. To provide facilities for recreation of other leisure time
occupation for persons who have need of such facilities by
reason of their youth, age, infirmity of disablement, poverty or
social and economic circumstances in the interests of social
welfare with the object of improving their conditions of life.
3. For any charitable purpose or purposes in the area of benefit
as the trustees may from time to time decide.| ||The charity activities include fundraising in the UK and distributing
those funds to educational and humanitarian projects worldwide.
Activities include: responding to emergencies, caring for orphans and
children in need, supporting education, providing access to health
care and water, promoting sustainable livelihood, campaigning and
advocacy on humanitarian issues and maternity hospitals.
Charity commission requires the trustees of a charity to:
•
Select suitable accounting policies, apply them consistently,
make judgement and estimates that are reasonable and
prudent;
•
prepare the financial statements on the going concern basis
unless there is a reason to believe that the Association will
not continue for the foreseeable future.
The Trustees are responsible for the keeping of proper accounting
records, which disclose with reasonable accuracy at any time the
financial position of the charity and to enable them to ensure that the
financial statements comply with the Charity Act 2011. They are also
responsible for safeguarding the assets of the association and hence
to take reasonable steps for the prevention and detection of fraud
and other irregularities.| **Section D Achievements and performance** The charity was able to raise funds during the year which were used **Summary of the main** to fund charitable activities. During the financial year the charity was **achievements of the charity** able to give grants to Muslim charity, Vost-Magura and Safia **during the year** Muhammadia Welfare Foundation. Furthermore, the charity carried out summer and winter activities, also did a food bank and were able to provide hot meals. 5 **Save the Mothers Trust (SMT) Income and Expenditure Accounts for the year ended 31[st] March 2023** ## **Section E Financial review** The charity holds £20,000 in reserve in case of having a period of **Brief statement of the** low income, which allows the charity to fundraise more income to **charity’s policy on reserves** cover running costs. It also allows the charity to pay an emergency expense if they arise when and if the charity income is low. ## **Section F Who and what are we all about?** The organisation’s name, Save the Mothers Trust, reflects our belief that a mother or a motherly figure is the core of every family. Our intention is to provide the correct support and assistance to these mothers and by doing so, we hope to save them and their future generations. ## **SMT projects in year ended 31st March 2023** ## **SMT Hot Meals & Food Bank** Our UK based Hot meals and Food bank projects have gone from strength to strength thanks to the support of our generous donors. This year we have been able to provide hundreds of hot cooked meals and food parcels to families and individuals facing physical or financial hardship. The hot meals project was also recognised locally for the work carried out by our volunteers. SMT works alongside several referring agencies to ensure that we can efficiently identify and offer support to those in need. ## **SMT holiday club** The charity runs these holiday activities with the support of Bradford Council. The charity runs winter, summer and easter holiday clubs. 6 **Save the Mothers Trust (SMT) Income and Expenditure Accounts for the year ended 31[st] March 2023** ## **SMT hospital** The charity aims to reduce the number of maternal deaths by providing free healthcare facilities and services in Pakistan offering 24/7 urgent care services to pregnant women. Furthermore, the hospital provides free medical treatments to all the people of the province. 7 ## **Save the Mothers Trust (SMT) Income and Expenditure Accounts for the year ended 31[st] March 2023** ## **Independent examiner's report on the accounts** ## **Section A Independent Examiner’s Report** **Report to the trustees/** Save the Mothers Trust (SMT) **members of On accounts for the Charity no** 1104771 **year ended**[31][st][ March 2023 ] **Set out on pages** 10 - 11 I report to the trustees on my examination of the accounts of the above charity for the year ended **31 / 03 / 2023** . As the charity's trustees, you are responsible for the preparation of the **Responsibilities and** accounts in accordance with the requirements of the Charities Act 2011. **basis of report** I report in respect of my examination of the Trust’s accounts carried out under section 145 of the 2011 Act and in carrying out my examination, I have followed all the applicable Directions given by the Charity Commission under section 145(5)(b) of the Act. ## **Independent examiner's statement** The charity’s gross income exceeded £250,000 and I am qualified to undertake the examination by being a qualified member of AAT. I have completed my examination. I confirm that no material matters have come to my attention in connection with the examination gives me cause to believe that in, any material respect: - the accounting records were not kept in accordance with section - 130 of the Charities Act; or - the accounts did not accord with the accounting records; or - the accounts did not comply with the applicable requirements - concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a ‘true and fair’ view which is not a matter considered as part of an independent examination. I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached. 8 Save the Mothers Trust (SMT) Income and Expenditure Accounts for the year ended 31st March 2023 Ir. 10. 201 M•m•: Al)dul a￿l￿r Kh FMAIT FCPA q4Mlmcadorf•) or body {11 •ny): Addrn￿: Unil 27. Bad•y Entffwi•e 513 BrAdIO￿ Rood WF178LL ## **Save the Mothers Trust (SMT) Income and Expenditure Accounts for the year ended 31[st] March 2023** Charity Name Charity No 1104771 Save The Mothers Trust (SMT) Annual accounts for the period Period end Period start date **To 1.4.2022** date **31.3.2023** ## **Section A Statement of financial activities** |**Recommended categories by**
**activity**
Guidance Notes
**Incoming resources (Note 3)**
**Income and endowments from:**
Donations and legacies
S01
Charitable activities
S02
Other trading activities
S03
Investments
S04
Separate material item of income
S05
Other
S06
S07
**Resources expended (Note 6)**
**Expenditure on:**
Raising funds
S08
Charitable activities
S09
Separate material item of expense
S10
Other
S11
S12
S13
Net gains/(losses) on investments
S14
S15
**Extraordinary items**
S16
S17
S18
Other gains/(losses)
S19
S20
**_Reconciliation of funds:_**
S21
S22
**_Total_**
**_Net movement in funds_**
Total funds brought forward
**_Total funds carried forward_**
**_Total_**
**Net income/(expenditure) before investment**
**gains/(losses)**
**Net income/(expenditure)**
**Transfers between funds**
**Other recognised** **gains/(losses):**
Gains and losses on revaluation of fixed assets for the charity’s own use|**Unrestricted**
**funds**
**Restricted**
**income**
**funds**
**Endowment**
**funds**
**Total funds**
**Prior year**
**funds**
**(restated)**
**£**
**£**
**£**
**£**
**£**
F01
F02
F03
F04
F05|**Unrestricted**
**funds**
**Restricted**
**income**
**funds**
**Endowment**
**funds**
**Total funds**
**Prior year**
**funds**
**(restated)**
**£**
**£**
**£**
**£**
**£**
F01
F02
F03
F04
F05|**Unrestricted**
**funds**
**Restricted**
**income**
**funds**
**Endowment**
**funds**
**Total funds**
**Prior year**
**funds**
**(restated)**
**£**
**£**
**£**
**£**
**£**
F01
F02
F03
F04
F05|**Unrestricted**
**funds**
**Restricted**
**income**
**funds**
**Endowment**
**funds**
**Total funds**
**Prior year**
**funds**
**(restated)**
**£**
**£**
**£**
**£**
**£**
F01
F02
F03
F04
F05|**Unrestricted**
**funds**
**Restricted**
**income**
**funds**
**Endowment**
**funds**
**Total funds**
**Prior year**
**funds**
**(restated)**
**£**
**£**
**£**
**£**
**£**
F01
F02
F03
F04
F05| |---|---|---|---|---|---| ||535,513
-
88,063
316
6,215
-|221,060
-
-
-
-
-|-

-

-

-

-

-
|756,573|709,833
-
30,254
42
310
-| |||||-|| |||||88,063|| |||||316|| |||||6,215|| |||||-|| ||630,107|221,060|-
|851,167|740,439| ||||||| ||42,856|-|-|42,856|82,288| ||649,736
-
882|70,585
-

-
|-
-
-|720,321
-|613,173
-
4,975| |||||882|| ||693,474|70,585|-|764,059|700,436| ||||||| ||63,367
-
-
63,367
-|150,475
-
150,475|-
-
-|87,108
-
87,108|40,003
-
40,003| ||-
-|-
-|-
-|-
-|-

-| ||||||| ||-|-|-|-|-| ||-|-|-|-|-| ||63,367
-|150,475|-|87,108|40,003| ||||||| ||211,507|87,501|-|299,008|259,005| ||148,140|237,976|-|386,116|299,008| 10 Save the Mothers Trust (SMT) Income and Expenditure Accounts for the year ended 31st March 2023 Section B Balance sheet TGift Aid
Legacies
General grants provided by government/other
charities
CJRS grants
Membership subscriptions and sponsorships
which are in substance donations
Donated goods, facilities and services
Other
**Total**
Sales
Other
**Total**
Interest income
Dividend income
Rentalandleasingincome
Other
**Total**
Loyalty reward
Paypalgivingfunds
**Total**
**Total**
**Note 3 Analysis of income**
**Analysis**
**Donations**
**and**
**legacies:**
**TOTAL INCOME**
**Other trading**
**activities:**
**Income from**
**investments:**
**Separate**
**material item**
**of income:**|**Analysis of income**
**Analysis**|**Unrestricted**
**funds**
**Restricted**
**income**
**funds**
**Endowment**
**funds**
**Total funds**
**Prior year**
**(restated)**
**£**
**£**|**Unrestricted**
**funds**
**Restricted**
**income**
**funds**
**Endowment**
**funds**
**Total funds**
**Prior year**
**(restated)**
**£**
**£**|**Unrestricted**
**funds**
**Restricted**
**income**
**funds**
**Endowment**
**funds**
**Total funds**
**Prior year**
**(restated)**
**£**
**£**|**Unrestricted**
**funds**
**Restricted**
**income**
**funds**
**Endowment**
**funds**
**Total funds**
**Prior year**
**(restated)**
**£**
**£**|**Unrestricted**
**funds**
**Restricted**
**income**
**funds**
**Endowment**
**funds**
**Total funds**
**Prior year**
**(restated)**
**£**
**£**| |---|---|---|---|---|---|---| ||Donations and gifts|535,513|154,167|-|689,680|626,410| ||Gift Aid|-|-|-|-|19,821| ||Legacies|-|-|-|-|-| ||General grants provided by government/other
charities|-|66,893|-|66,893|57,328| ||CJRS grants|-|-||-|6,274| ||Membership subscriptions and sponsorships
which are in substance donations|-|-|-|-|| ||Donated goods, facilities and services|-|-|-|-|-| ||Other|-|-|-|-|| ||**Total**|535,513|221,060|-|756,573|709,833| |||||||| ||Sales
|88,063|-|-|88,063|30,254| |||-|-|-|-|-| |||-|-|-|-|-| ||Other|-|-|-|-|-| ||**Total**|88,063|-|-|88,063|30,254| |||||||| ||Interest income|316||-|316|42| ||Dividend income|-|-|-|-|-| ||Rentalandleasingincome|-|-|-|-|-| ||Other|-|-|-|-|-| ||**Total**|316|-|-|316|42| |||||||| ||Loyalty reward|331|-|-|331|92| ||Paypalgivingfunds
|5,884|-|-|5,884|218| |||-|-|-|-|-| |||-|-|-|-|-| ||**Total**|6,215|-|-|6,215|310| |||||||| |||-|-|-|-|-| |||||||| |||630,107|221,060|-|851,167|740,439| 12 ## **Save the Mothers Trust (SMT) Income and Expenditure Accounts for the year ended 31[st] March 2023** **Note 6 Analysis of expenses** |**Expenditure on**
**charitable**
**activities**
**Expenditure on**
**raising funds:**|**Analysis**|**Unrestricted**
**funds**
**Restricted**
**income**
**funds**
**Endowment**
**funds**
**Total funds**
**Prior year**
**(restated)**
**£**
**£**|**Unrestricted**
**funds**
**Restricted**
**income**
**funds**
**Endowment**
**funds**
**Total funds**
**Prior year**
**(restated)**
**£**
**£**|**Unrestricted**
**funds**
**Restricted**
**income**
**funds**
**Endowment**
**funds**
**Total funds**
**Prior year**
**(restated)**
**£**
**£**|**Unrestricted**
**funds**
**Restricted**
**income**
**funds**
**Endowment**
**funds**
**Total funds**
**Prior year**
**(restated)**
**£**
**£**|**Unrestricted**
**funds**
**Restricted**
**income**
**funds**
**Endowment**
**funds**
**Total funds**
**Prior year**
**(restated)**
**£**
**£**| |---|---|---|---|---|---|---| ||Incurred seeking donations|5,058|-|-|5,058|4,151| ||Incurred seekinglegacies|-|-|-|-|-| ||Incurred seeking grants|||||| ||Operating a trading company||||-|| ||Advertising,marketing, directmailand|25,509|-|-|25,509|60,709| ||Start up costsincurredingenerating||-|-|-|-| ||Database development costs||-|-|-|-| ||Othertrading activities|-8,930|||-8,930|- 7,621| ||Rent collection, property repairs and
maintenance charges|21,219|-|-|21,219|25,049| ||Clothing banks||-|-|-|-| |||-|-|-|-|-| ||**Total expenditure on raising funds**|42,856|-|-|42,856|82,288| |||||||| ||Accountancy fees|3,950||-|3,950|2,245| ||Annual return|125|||125|100| ||Bank charges|2,433||-|2,433|2,091| ||Campbeds|174|||174|| ||Commissions paid|-||-|-|70| ||Competition expenses|329|||329|| ||Dbs checks|50||-|50|-| ||Easter break project|-|2,575|-|2,575|2,238| ||Entertainment|-|||-|6| ||Event expenses|3,757|||3,757|1,393| ||Foodbank|13,067|30,156|-|43,223|31,111| ||Fundraising costs|250||-|250|50| ||Gift aid charges|2,620|||2,620|-| ||Governance costs|-||-|-|256| ||Grantmaking (Note 13)|485,229||-|485,229|279,276| ||Hens project-SMT|-|||-|5,000| ||Hospital project-SMT Welfare|-||-|-|-| ||Hot meals project|11,258|-||11,258|10,496| ||Independent examination|525|||525|450| ||Insurance|8,705||-|8,705|7,206| ||Leasing charges|-||-|-|3,435| ||Legal fees|35|||35|35| ||Light and heat|3,710||-|3,710|5,215| ||Motor expenses|2,382||-|2,382|1,972| ||Packaging|468||-|468|1,371| ||PAYE and NIC|4,795||-|4,795|3,150| ||Payroll charges|170|||170|| ||Pensions|3,434|||3,434|1,506| ||Postage|5,084||-|5,084|1,253| ||Qurbani|-|28,000|-|28,000|30,000| ||Rates|366||-|366|7,275| ||Refreshments|28|||28|| ||Removal of clothing banks|60|||60|30| ||Soup kitchen project|1,560|-|-|1,560|3,369| ||Sports|-|||-|5,296| 13 ## **Save the Mothers Trust (SMT) Income and Expenditure Accounts for the year ended 31[st] March 2023** |**TOTAL EXPENDITURE**
**Total expenditure on charitable**
**activities**
**Other**
VATsubcharge
Water rates
Subscriptions
Waste collection
Telephone and fax
Thalasseamia project
Travel and subsistence
UK winter packs
Wages and salaries
Summer activities
Training expenses
Studio hire
Stationery and printing
Website
Winter activity club expenses
**Total other expenditure**
Sundry
Write offs/discounts
Depreciation|Stationery and printing|2,654||-|2,654|3,644| |---|---|---|---|---|---|---| ||Studio hire|350|||350|| ||Subscriptions|1,083||-|1,083|992| ||Summer activities||7,824|-|7,824|12,156| ||Telephone and fax|20||-|20|-| ||Thalasseamia project|-|-|-|-|57,300| ||Training expenses|872||-|872|1,500| ||Travel and subsistence|2,330||-|2,330|2,747| ||UK winter packs|- 1,932|-||- 1,932|8,964| ||Wages and salaries|84,460|1,011|-|85,471|111,324| ||Waste collection|1,820||-|1,820|1,242| ||Water rates|649||-|649|693| ||Website|2,866||-|2,866|3,872| ||Winter activity club expenses|-|1,019||1,019|2,844| ||**Total expenditure on charitable**
**activities**|649,736|70,585|-|720,321|613,173| |||||||| ||VATsubcharge|-|-|-|-|1,608| ||Sundry|- 13|-|-|- 13|149| ||Depreciation|3,177|-|-|3,177|3,218| ||Write offs/discounts|- 2,282|-|-|- 2,282|-| ||**Total other expenditure**|882|-|-|882|4,975| |||||||| |||693,474|70,585|-|764,059|700,436| |**Note 10 Details of certain items of expenditure**|**Note 10 Details of certain items of expenditure**|**Note 10 Details of certain items of expenditure**||| |---|---|---|---|---| |**10.1 Fees for examination of the accounts**||||| |**_Please provide details of the amount paid for any statutory external scrutiny of_**
**_accounts and other services provided by your independent examiner. If nothing_**
**_waspaidplease enter '0' in the appropriate box(es)._**||||| ||||**This year**|**Last year**| ||||**£**|**£**| |**Independent examiner’s fees**|||525|450| |**Assurance services other than audit or independent examination**||||| |**Tax advisory fees**||||| |**Other fees (for example: financial advice, consultancy, accountancy services)**
**paid to the independent examiner**||||| 14 ## **Save the Mothers Trust (SMT) Income and Expenditure Accounts for the year ended 31[st] March 2023** ## **Note 13 Grantmaking** ## _**Please complete this note if the charity made any grants or donations which in aggregate form a material part of the charitable activities undertaken.**_ ## **13.1 Analysis of grants paid (included in cost of charitable activities)** |**Analysis**|**Grants to**
**institutions**|**Grants to**
**individuals**|**Support costs**|**Total**| |---|---|---|---|---| ||||**£**|**£**| |Grant aid|74,055||Nil|74,055| |Winterappeal|5,750||Nil|5,750| |Qurbani|19,320|||19,320| |Food programme|10,000|||10,000| |Ramadan food aid|7,500||Nil|7,500| |Turkey earthquake|10,000||Nil|10,000| |Hospitalproject|358,604||Nil|358,604| |**_Total_**|**485,229**|**-**|**-**|**485,229**| ## **13.2 Grants made to institutions** |**13.2 Grants made to institutions**||| |---|---|---| |**_My charity has made grants to particular institutions that are material in_**
**_the context of its grantmaking. Details of the institution supported,_**
**_purpose of the grant and total paid to each institution is available on the_**
**_charity's web site._**|**_Yes_**|**_Please provide_**
**_details of charity's_**
**_URL._**| ||**_No_**|**_Provide details_**
**_below_**| |**Names of institution**|**Purpose**|**Total amount of**
**grantspaid £**| |---|---|---| |Safia Muhammadia Welfare Foundation|Hopital project and expenses|358,604| |Muslim Charity|Turkey earthquake ,qurbani,Ramadan
food aid & winter appeal|52,570| |Vost-Magura Bangladesh|Grant aid|74,055| |**_TOTAL GRANTS PAID_**
**_Other unanalysed grants_**
**_Total grants to institutions in reporting period_**||**485,229**| |||-| |||485,229| 15 ## **Save the Mothers Trust (SMT) Income and Expenditure Accounts for the year ended 31[st] March 2023** ## **Note 14 Tangible fixed assets** ## _**Please complete this note if the charity has any tangible fixed assets**_ ## **14.1 Cost or valuation** |At the beginning of
the year
Additions
Revaluations
Disposals
Transfers *
At end of the year|**Freehold land**
**& buildings**
**£**|**Other land &**
**buildings**
**£**|**Plant,**
**machinery**
**and motor**
**vehicles**
**£**|**Fixtures,**
**fittings and**
**equipment**
**£**|**Total**
**£**| |---|---|---|---|---|---| ||-|-|21,577|39,585|61,162| ||-|-|-|2,811|2,811| ||-|-|-|-|-| ||-|-|-|-|-| ||-|-|-|-|-| ||-|-|21,577|42,396|63,973| ## **14.2 Depreciation and impairments** |****Basis**
**** Rate**
At beginning of the
year
Disposals
Depreciation
Impairment
Transfers*
At end of the year
Net book value at the
beginning of the year
Net book value at the
end of the year
**14.3 Net book value**|SL or RB|SL or RB|RB|RB|SL or RB|Straight Line
("SL") or
Reducing
Balance
("RB")| |---|---|---|---|---|---|---| ||||10%|10%||| ||- - 11,698 20,506 32,204
- -
- -
- - 988 2,189 3,177
- - - - -
- - - - -
- - 12,686 22,695 35,381
- - 9,879 19,079 28,958
- - 8,891 19,701 28,592|||||| ||-|-|9,879|19,079|28,958|| ||-|-|8,891|19,701|28,592|| 16 **Save the Mothers Trust (SMT) Income and Expenditure Accounts for the year ended 31[st] March 2023** ## **Note 19 Debtors and prepayments** |**Note 19 Debtors and prepayments**||| |---|---|---| |**19.1 Analysis of debtors**
**Trade debtors**
**Prepayments and accrued income**
**Other debtors**|**This year**
**£**|**Last year**
**£**| ||13,175|10,137| ||55,702|60,013| ||20,609|14,834| ||89,486|84,984| ## **Note 20 Creditors and accruals** _**Please complete this note if the charity has any creditors or accruals.**_ ## **20.1 Analysis of creditors** |**20.1 Analysis of creditors**||||| |---|---|---|---|---| |**Accruals for grants payable**
**Bank loans and overdrafts**
**Trade creditors**
**Payments received on account for contracts or**
**performance-related grants**
**Accruals and deferred income**
**Taxation and social security**
**Other creditors**
**Total**|**Amounts falling due**
**within oneyear**||**Amounts falling due after**
**more than oneyear**|| ||**This year**
**£**|**Last year**
**£**|**This year**
**£**|**Last year**
**£**| ||-|-|-|-| ||-|-|-|-| ||-|-|-|-| ||-|-|-|-| ||15,047|42,549|-|-| ||2,734|12,329|-|-| ||1,782||-|-| ||19,563|54,878|-|-| ## **Note 24 Cash at bank and in hand** |**Note 24 Cash at bank and in hand**||| |---|---|---| |**Other**
**Cash at bank and on hand**
**Total**
**Short term cash investments (less than 3 months maturity date)**
**Short term deposits**|**This year**
**£**|**Last year**
**£**| ||-|-| ||-|-| ||257,848|220,191| ||-|-| ||257,848|220,191| 17